Health Insurance Agent
Important. Every Health Insurance Agent who works with The Insurance Advisor can shop top-rated Health Insurance companies and products to provide exceptional service and value to our clients. Our trained, professional staff will do the research, analysis, and shopping for you. You save time and money and get the best value for the Virginia Health Insurance and services you need.
The Virginia Health Insurance Resources included on this page will provide information and resources to assist individuals and businesses with their Virginia Health Insurance needs.
The Marketplace Open Enrollment for 2016 ended January31, 2016. You can still buy a Marketplace health plan only if you qualify for a special enrollment period. You can apply for Medicaid and CHIP any time. Find out if you qualify for a Special Enrollment Period or Medicaid and CHIP. Open Enrollment for 2017 coverage starts November 1, 2016.
The Virginia Health Insurance Market Place: Confusing???
DO NOT WORRY! The Insurance Advisor is a full service Independent Insurance Agency that represents many top-rated Virginia Health Insurance companies. An experienced Health Insurance Agent will determine your needs and shop companies to find the best Virginia Health Insurance coverage for the price. Our clients get the best value for the Virginia Health Insurance they need.
And if you would like to better understand some of the terms used in the Virginia Health Insurance Resource information, go to this Health Insurance Glossary. Also, please feel free to contact a Health Insurance Agent with any questions. (804) 308-9424
Seniors may get Medicare Supplement Quotes and Coverage information from Medicare Supplement Quotes.
If you plan to travel outside of the United States, you will likely need an International Health Plan. Most US Health Insurance Policies either limit or provide no coverage outside of the United States. Do not risk needing medical care while traveling outside the United States–get an IMG Medical Policy.
Contact a Health Insurance Agent (804) 638-9024
Here is a re-post of a Guide to the Health Insurance Marketplace published by the US Government.
Get Covered: A one-page guide to the Health Insurance Marketplace
STILL NEED HEALTH COVERAGE FOR 2016?
Open Enrollment is over. But you can still get 2016 health insurance 2 ways:
- If you qualify for a Special Enrollment Period due to a life event — like getting married, losing other coverage, or having a baby.
- If you qualify for Medicaid or the Children’s Health Insurance Program (CHIP). You can apply for these programs any time.
If you haven’t applied for insurance on HealthCare.gov before, here’s what you need to know about the Health Insurance Marketplace (sometimes known as the health insurance “exchange” or “Obamacare exchange”).
1. The Health Insurance Marketplace is for people who don’t have health coverage
If you don’t have health insurance through a job, Medicare, Medicaid, the Children’s Health Insurance Program (CHIP), or another source that provides qualifying coverage, the Marketplace can help you get covered.
- If you have job-based insurance: You can buy a plan through the Marketplace, but you’ll pay full price unless your employer’s insurance doesn’t meet certain standards. Most job-based plans do meet the standards.
- If you have Medicare: You can’t switch to Marketplace insurance, supplement your coverage with a Marketplace plan, or buy a Marketplace dental plan. Learn about Medicare and the Marketplace.
2. What you pay for insurance depends on your income – and you’ll probably save
Your savings depend on your estimate of your expected income for 2016, not your income for 2015. This year, about 8 in 10 of the uninsured who are eligible for Marketplace coverage qualify for financial assistance to lower the cost of their monthly premiums. Get a quick idea if your expected income is in the range to save.
Based on the income estimate you put on your application, we’ll tell you if you qualify for one of these:
A health insurance plan with savings
The plans are offered by private insurance companies with a range of prices and features. All plans cover:
You can add dental to a health plan, but you don’t have to. You can’t buy a dental plan unless you enroll in a health plan.
Medicaid and the Children’s Health Insurance Program (CHIP)
Medicaid and CHIP provide free or low-cost coverage to millions of people and families with limited income, disabilities, and some other situations.
- Many states are expanding Medicaid to cover all households below certain incomes.See if your state is expanding and if your income is in range to qualify.
- Your children may qualify for CHIP even if you don’t qualify for Medicaid.
3. You can apply for coverage 4 ways
- By phone
- With in-person help
- With a paper application
4. If you don’t have health insurance, you may have to pay a fee
Most people must have qualifying health coverage or pay a fee with their 2016 federal taxes.
Personal Health Insurance Coverage for Different Needs
On the right sidebar of this page, you will find links to a number of personal insurance resources. Click on any of the different personal insurance coverage categories to learn more about specific insurance issues and coverages. Please call one of our insurance agents at The Insurance Advisor for any assistance.
Call, request a quote by email, or visit us at our office today for a free, no obligation Virginia Health Insurance quote. Let a Health Insurance Agent with The Insurance Advisor do the research and find the best value for the Virginia health insurance coverage you need.
Why Choose A Health Insurance Agent with The Insurance Advisor?
The Insurance Advisor agents combine years of experience and top-rated Health Insurance companies and products to provide exceptional service and value to our clients. A trained, professional Health Insurance Agent will do the research, analysis, and shopping for you. You save time and money and get the best value for the Virginia Health Insurance and services you need.
Call or visit our office today for a free, no obligation risk assessment and quote.
Let us do the research and find the best value for the Virginia Health Insurance you need.
Press Release: The Insurance Advisor is the 2013, 2014, 2015, and now the 2016 Best of Richmond Award recipient for the Insurance Company category.
The Insurance Advisor, LLC is the “2016 Best of Richmond Award” recipient for the Virginia Insurance Company category. This makes the fourth year in a row we have received this award (2013, 2014, 2015, & 2016)! Thanks to our clients, carriers, service providers, Smart Choice, and associates!!
The Richmond Award Program is an annual awards program honoring the achievements and accomplishments of local businesses throughout the area. Recognition is given to those companies that have shown the ability to use their best practices and implemented programs to generate competitive advantages and long-term value. Various sources of information were gathered and analyzed to choose the winners in each category. The 2016 Richmond Award Program focuses on quality, not quantity. Winners are determined based on the information gathered both internally by the Richmond Award Program and data provided by third parties.
Each year, the Richmond Award Program identifies companies that we believe have achieved exceptional marketing success in their local community and business category. These are local companies that enhance the positive image of small business through service to their customers and our commu